Are you a SAVER or a SPENDER?

In personal finance, we often label people as one or the other. This doesn't mean you spend or save everything, but you have a natural inclination towards one or the other. This tendency is usually developed early in life and is ingrained by adulthood.

(Do I...

I’ve mentioned before why I feel everyone needs a budget, so why I am saying your budget is useless? Well, on it’s own, your budget gives you relatively no value. It is only a set of numbers you can reference. It is the ACT of budget-ING that brings you the real value. ...

Hey, it's Hal, and today we're going answer the question, does everyone need a budget? Now, I will go ahead and let the cat right out of the bag, but I definitely feel everyone does need a budget, and I will explain why. As I began my career, I was a budget and credit counselor, and I counseled...